I obtained my 20 Hours through TEFL over a weekend back in 2009, and thought it would not be enough to venture away, so i did the 120 Hours course on line with a TEFL company and passed comfortably. It has got to the stage that i am wanting to work outside the UK, yes the money in certain countries are excellent, but i also want to learn the culture and experience the way of life in another country. I have a business degree and have now reached the age of 45, The big opportunities are out there and i have not been outside of the UK in my life.

What i am asking is as i could not undertake a volunteer position at this financial time, so it would have to be a term at least to get the experience. can anyone help on advice

There are thousands of non-volunteer positions worldwide. Just look at http://www.tefl.net/esl-jobs/ for example. But there are many more ads all over the internet and in some papers. Google "esl jobs" or suchlike. Some countries require a university degree (for employment permit purposes) but you seem to have this. A TEFL certificate is usually required by language schools. Again you have this, albeit online.

It sounds to me like you have the qualifications to teach abroad. With a Bachelor's degree and a TEFL certificate, you can work at most language schools and public/private schools. Decide on where you want to go, and then do some searches online for jobs.